As you gaze at your newborn or newly adopted son or daughter, one of these thoughts may run through your head: “Will I be able to afford to put you through school?” “Am I required to put you through school?“ “Right now it’s all I can do to pay for Pampers and child care. I’ll worry about college later.” Time has a way of sneaking up on us. Seemingly overnight, that gurgling infant morphs into…

This article is by Curtis Arnold, CardRatings.com editor-in-chief. It’s not often that a credit card company offers to double its usual rewards on a range of its plastic for an entire year — but that’s precisely what Discover is doing for new customers with its current limited-time offer. How the offer works Discover’s eye-catching offer applies to cash-back cards including: Discover it card®-Double Cash Back your first year, Discover it®-Double Cash Back your first year,…

Have you ever wanted — really wanted — to change your financial situation but, when you tried, you felt like you were slogging through wet cement or trying to turn a huge ship around? You got exhausted and stopped, right? Change is like that. You can change — and you can also make it easier for yourself. But first, are you clear about why you want…

Recently, we discussed the benefits of paying yourself first. But exactly how do you go about doing that (especially if you feel like you’re living paycheck to paycheck already)? If you are just starting to manage your money or you simply struggle when it comes to budgeting in the first place, paying yourself first may seem like one of those personal finance concepts that sounds good…

Few things are as much a part of growing up in America as getting a summer job. And here’s why most agree a summer job is a good thing to have as part of your coming of age: You get a good introduction to the rest of your life, which more likely than not will involve a job — working for someone else. You learn about…

I know quite a few people who are approaching retirement right now. And from talking to them, one thing is clear to me: There’s a lot of apprehension about making this transition. The pressure to make the right decisions doesn’t stop just because you’re nearing retirement. In fact, from what I can tell, it seems to intensify. There are still a lot of important decisions to make:…

A whole lotta folks are way too comfortable with credit card debt, according to the “Generations Apart” study from Allianz Life. Nearly half of the Generation Xers and Baby Boomers surveyed consider plastic to be “a financial survival tool.” Guys, guys, guys: The credit card is not a superhero. Sure, one swipe saves the day, but it’s only that day. What will…

According to a recent blog by the Wall Street Journal, Americans leave $52.4 billion on the table each year in unused paid time off (not including sick or personal leave). This lowers employee productivity and can lead to burnout and retention issues. It is also quite expensive for companies themselves, since the time and money associated with PTO are liabilities on their balance sheets. Sometimes, though,…

The way Thomas Frank looks at it, everything in his young life has been leading him to get better at controlling his finances. In high school, he saw a cool video game he wanted to buy — no, had to have. It took him three weeks to earn the $350, but he actually spent it buying cool clothes and hanging out with friends instead. His key…

Everyone loves a guilty pleasure every now and again – so long as it’s something harmless like belting out your favorite Country Western song on your way to the grocery store. But when it comes to these summer indulgences, you may end up singing the budget blues. Of course, it’s hard to complain about random expenditures if you keep a fully stocked emergency fund in your…

Everyone’s inner-optimist is a loud-mouth. “Yes, you deserve a gigantic increase in pay.” It’s that time of year when you hear about your bonus and raise. “You’re obviously going to get it. So go ahead. Start fantasizing about it!” That’s just what we do. We see dollar signs and start day-dreaming about what we can do with that extra amount of money. “Which savings account should…

By some accounts, China’s stock market has been in free fall. In less than a month, the Shanghai Stock Exchange Composite Index (SSEC) — the Chinese equivalent of America’s S&P 500 stock index — saw a 30 percent drop in value. Media reports have ranged from indifference to breathless comparisons with the great stock market crash of 1929, followed by dire predictions for you and yours….

I was chatting with my dad on Father’s Day (he prefers phone calls to Father’s Day gifts), and everything seemed ordinary at first. He asked how Jake and I were enjoying our house and whether I still liked my new job. However, I was in for a surprise. When I asked him how his work was going, he said, “Oh, I retired a couple of weeks…

Andrew and Amanda Argue were both working for public accounting firms in Miami, Florida, when they met. As young, ambitious professionals, they fell right into the hard-charging lifestyle of certified public accountants — where your rapid ascension to partner is determined by the number of hours you rack up. Managing their career trajectories meant that eating out became the norm because, as Amanda put it ……

Hey, do you mind if I try to guess one of your passwords? No? Okay, how about “123456″ or “password”? Maybe “Max123″ or “Bella2011″? Although I hope no Get Rich Slowly readers are using any of these passwords currently, “123456″ and “password” are among the most common passwords chosen. And “Max” and “Bella”? Those are some of the most popular pet names; and since pet names…

Judging from the comments in Kristin Wong’s article “Credit unions vs. banks: Things to consider“ back in January 2014, there was a lot of interest – and a fair amount of skepticism – in what credit unions have to offer. The sentiments went in a lot of different directions. People were quick to point out that interest rates on deposits at credit unions were usually much higher…

By the time I became interested in personal finance, I had grown tired of the most popular personal finance clichés. I was tired of Suze Orman’s incessant denials, David Bach’s Latte Factor® theory, and Dave Ramsey’s simple ideas and assertions on how everyday Americans should be living their lives. But now that many years have passed, I realize that each popular personal finance saying holds a…

In a recent article, I described what COBRA insurance is and my experiences obtaining it. One of the biggest complaints I had about COBRA was the sign-up process. Signing up for COBRA insurance had to be initiated by my employer, and it was a paper process to boot. This meant there was a lag between when I signed up and when I received proof of insurance….

Looking to save versus spend? Eager to sock money away not just for a rainy day but potentially for stormy months, even years, ahead? Consider heading to the Heartland. The Midwest is home to some of the very best places to save money and get ahead in the U.S., according to a new analysis by Get Rich Slowly. To find out which parts of the U.S….

When Steve and Annette Economides got married in 1982, they made a conscious decision to always live below their means. The couple from Scottsdale, Arizona, even made the pact a part of their wedding vows. Then the car broke down. This is usually the part in the story where taking on a little bit of debt seems perfectly OK to do. After all, Americans collectively owe nearly $12 trillion in outstanding household debt. Sometimes other…

Savings accounts and money market accounts are meant to hold your liquid assets, or funds that you expect to use within a year. You may think "If you've seen one high-yield savings account, you've seen them all" - but, actually, higher interest rates and certain features can make one account a better choice for your needs than another.

Part of an effective financial strategy includes maximizing your earnings while balancing your need for liquidity -- and a certificate of deposit, or CD, is one way to accomplish that goal. You can easily monitor the best CD rates and terms currently available in the table below plus the rates of more than 500 financial institutions (banks, credit unions, savings banks, and savings and loan associations)

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